Saginaw County property record for 9924 Gratiot Rd, Saginaw, MI 48609
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,696 sqft · built 1960 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $260,000 (Dec 2025) |
| Tax Bill | $3,147 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage Dec 2025 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-12-3-27-2012-000 |
| Primary APN | 28-12-3-27-2012-000 |
|---|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,696 sqft Living Area |
| 1st Floor Area | 1,696 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Raised Ranch |
| Exterior Material | Brick |
| Foundation Type | No Foundation |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 87,120 sqft (2 acres) |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Porch |
| Porch Area | 361 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 9924 GRATIOT RD |
|---|---|
| City | SAGINAW |
| State | MI |
| Zip | 48609-9407 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | E. 132 FT. OF W.396 FT. OF S. 660 FT. OF NW 1/4. 2 ACRES. SEC 27 T12N R3E |
| Legal Range | 03E |
| Legal Township | 12N |
| Legal Section | 27 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | THOMAS |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 12003 |
Source: Saginaw County records, as of August 21, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 14565 SWAN CREEK RD, HEMLOCK, MI 48626-8731 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Nov 26, 2025 | Deed of Trust, Mortgage · USDA Mortgage GOLD STAR MORTGAGE FINANCIAL GROUP CORPO |
| Dec 8, 2025 | Warranty Deed, Transfer · USDA Mortgage GOLD STAR MORTGAGE FINANCIAL GROUP |
| Jul 6, 2020 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 8, 2025 · Amount on Record |
| Deed Sale | Dec 8, 2025 · Amount on Record |
| Deed Document Number | 202528362 |
| Prior Transfer Date | Nov 7, 2014 |
| Prior Transfer Doc | 0000031474 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 9924 GRATIOT RD, SAGINAW, MI 48609-9407 |
| Transaction Type | Mortgage |
| Record Updated | Dec 9, 2025 |
| Name | Verified Name |
|---|---|
| Address | 14565 SWAN CREEK RD, HEMLOCK, MI 48626-8731 |
| Document Number | 0000027605 |
|---|---|
| Date | Nov 26, 2025 |
| Instrument | 2025027605 |
| Name | GOLD STAR MORTGAGE FINANCIAL GROUP CORPO |
|---|---|
| Address | 2350 GREEN RD STE 100B, ANN ARBOR, MI 48105 |
| Type | USDA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Dec 8, 2025 |
| Property Address | 9924 GRATIOT RD, SAGINAW, MI 48609-9407 |
| Document Number | 0000028362 |
| Instrument Date | Nov 25, 2025 |
| Instrument | 2025028362 |
| Transaction Type | Transfer |
| Record Updated | Dec 18, 2025 |
| Title Company | CROSSROADS TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,950.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2883 N ORR RD, HEMLOCK, MI 48626-8407 |
| Name | Verified Name |
|---|---|
| Address | 14565 SWAN CREEK RD, HEMLOCK, MI 48626-8731 |
| Document Number | 0000027605 |
|---|---|
| Date | Dec 8, 2025 |
| Instrument | 2025027605 |
| Name | GOLD STAR MORTGAGE FINANCIAL GROUP |
|---|
| Type | USDA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 9924 GRATIOT RD, SAGINAW, MI 48609-9407 |
| Document Number | 0000017582 |
| Instrument Date | Jul 6, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 2, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 7975 MAPE RD FRANKENMUTH MI 48734, FRANKENMUTH, MI 48734 |
| Document Number | 0000017582 |
|---|---|
| Date | Jul 15, 2020 |
| Instrument | 17582 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 14, 2050 |
Source: Saginaw County assessment roll, as of August 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Saginaw County |
| County Subdivision | Thomas Township |
| Unified School District | Hemlock Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $103,500 (+2.07%) | $207,000 (+2.07%) | |
| 2025 | $3,147.00 (+3.32%) Homeowner's exemption | $101,400 (+25.19%) | $202,800 (+25.19%) |
| 2024 | $3,046.00 (+15.77%) | ||
| 2023 | $81,000 | $162,000 | |
| 2022 | $2,631.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective March 29, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (1986) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 1986 · Severe Storms & Flooding |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 91% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | THOMAS TOWNSHIP serves 11,931 people · EPA ID MI0006580 |
|---|---|
| Water Source | Purchased surface water from CITY OF SAGINAW |
| Last State Inspection | Jul 2023 |
| Lead | 2 ppb (2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 74 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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